International Money Express (IMXI) AI Stock Analysis

• Market Cap: $458.86M
• Dividend Yield: N/A
• Average Volume (3M): 236.51K
• Price to Earnings (P/E): 12.0
• Beta (1Y): 0.88
• Revenue Growth: -6.57%
• EPS Growth: -29.62%
• Country: US
• Employees: 1,101
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Infrastructure
• EPS (TTM): 0.39
• Shares Outstanding: 29,718,730
• 10 Day Avg. Volume: 196,206
• 30 Day Avg. Volume: 236,515
• PEG Ratio: 1.37
• Price to Book (P/B): 5.01
• Price to Sales (P/S): 1.03
• P/FCF Ratio: 29.26
• Enterprise Value/Market Cap: 0.97
• Enterprise Value/Revenue: 0.71
• Enterprise Value/Gross Profit: 2.23
• Enterprise Value/Ebitda: 5.06
• 1Y Price Target: $16.00
• Price Target Upside: 5.47% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2
• EPS Forecast (FY): 1.79
• Revenue Forecast (FY): $625.80M

• Rating: 68 Neutral
• Price Target: $16.50 ▲(8.77% Upside)

The overall stock score reflects a balance of mixed financial performance and positive technical indicators. The company's valuation is reasonable, but concerns about negative revenue growth and cash flow issues weigh on the score. The technical analysis suggests potential for short-term gains, though caution is advised due to overbought signals.

Positive Factors

Strategic Partnership

The partnership with Caribe Express enhances cross-border financial connectivity, leveraging digital infrastructure to improve remittance services, which could strengthen market position and customer experience in the long term.

Profitability Margins

Strong profitability margins indicate efficient cost management and pricing power, which are crucial for sustaining competitive advantages and financial health over time.

Return on Equity

High return on equity suggests effective management and a strong ability to generate profits from shareholders' investments, supporting long-term growth potential.

Negative Factors

Negative Revenue Growth

Declining revenue growth can signal weakening demand or competitive pressures, which may challenge the company's ability to expand and sustain its market position.

Declining Free Cash Flow

A sharp decline in free cash flow limits financial flexibility and may hinder the company's ability to invest in growth opportunities or weather economic downturns.

Cash Flow Issues

Inadequate cash flow conversion from profits can strain liquidity, affecting the company's capacity to meet obligations and invest in strategic initiatives.

International Money Express Business Overview & Revenue Model

Company Description

International Money Express (IMXI) is a financial services company specializing in cross-border money transfers, payment solutions, and remittance services. Operating primarily in the retail and digital sectors, IMXI connects individuals and businesses globally, enabling them to send and receive money securely and efficiently. The company offers various services, including cash-to-cash transfers, mobile money solutions, and bill payment services, catering to a diverse customer base comprising immigrants, expatriates, and international businesses.

How the Company Makes Money

IMXI generates revenue primarily through transaction fees charged for money transfers and remittances. Each time a customer sends money across borders, IMXI collects a fee based on the transfer amount, destination, and service type. Additionally, the company earns money from foreign exchange spreads, which is the difference between the buying and selling rates of currencies during the transaction process. Other significant revenue streams include fees from bill payment services and partnerships with financial institutions and retail locations that facilitate money transfers. IMXI's strategic partnerships with global networks and local agents enhance its market reach and service offerings, contributing positively to its overall revenue.

International Money Express Financial Statement Overview

Summary

International Money Express shows a mixed financial performance. While profitability margins are decent, the negative revenue growth and declining free cash flow are concerning. The balance sheet shows moderate leverage, but the company needs to address its cash flow challenges to ensure long-term financial stability.

Income Statement

The income statement shows a mixed performance. The company has maintained a decent gross profit margin of 57.93% in the TTM, but it has decreased from the previous year. The net profit margin is relatively stable at 8.01%. However, revenue growth has turned negative at -2.65% in the TTM, indicating a decline in sales. EBIT and EBITDA margins are healthy, but the declining revenue is a concern.

Balance Sheet

The balance sheet reflects moderate leverage with a debt-to-equity ratio of 1.13 in the TTM, which has improved from the previous year. Return on equity is strong at 27.64%, indicating efficient use of equity to generate profits. However, the equity ratio is not provided, which limits the assessment of asset financing.

Cash Flow

Cash flow analysis reveals challenges, with a significant decline in free cash flow growth at -68.6% in the TTM. The operating cash flow to net income ratio is below 1, indicating potential cash flow issues. The free cash flow to net income ratio is 0.81, suggesting that not all profits are being converted into free cash flow.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	625.12M	658.65M	658.74M	546.80M	459.21M	357.21M
Gross Profit	199.74M	590.40M	222.47M	182.00M	151.75M	118.61M
EBITDA	88.12M	108.66M	108.36M	92.38M	77.34M	63.70M
Net Income	39.12M	58.82M	59.52M	57.33M	46.84M	33.78M
Balance Sheet
Total Assets	478.73M	462.38M	576.81M	512.07M	340.54M	259.47M
Cash, Cash Equivalents and Short-Term Investments	151.59M	130.50M	239.20M	149.49M	132.47M	74.91M
Total Debt	181.13M	181.67M	215.86M	183.74M	83.09M	87.62M
Total Liabilities	329.04M	327.45M	427.77M	362.17M	197.50M	165.21M
Stockholders Equity	149.69M	134.92M	149.04M	149.91M	143.04M	94.26M
Cash Flow
Free Cash Flow	26.94M	23.09M	130.72M	3.00M	67.51M	-4.94M
Operating Cash Flow	47.63M	53.09M	143.53M	15.17M	78.10M	-880.00K
Investing Cash Flow	-33.59M	-43.95M	-18.28M	-12.53M	-10.77M	-4.06M
Financing Cash Flow	-19.11M	-114.20M	-37.12M	14.06M	-9.62M	-6.16M

International Money Express Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 15.17
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IMXI, the sentiment is Positive. The current price of 15.17 is below the 20-day moving average (MA) of 15.25, above the 50-day MA of 15.00, and above the 200-day MA of 12.88, indicating a bullish trend. The MACD of 0.13 indicates Positive momentum. The RSI at 62.56 is Neutral, neither overbought nor oversold. The STOCH value of 66.95 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IMXI.

International Money Express Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PAYS	70 Outperform	$302.19M	40.76	20.36%	―	32.61%	-8.26%
PAYO	69 Neutral	$2.12B	30.68	9.79%	―	10.58%	-45.52%
IMXI	68 Neutral	$458.86M	12.03	26.84%	―	-6.57%	-29.62%
EEFT	66 Neutral	$3.30B	11.21	23.10%	―	7.25%	-1.12%
RELY	66 Neutral	$3.06B	154.75	2.94%	―	31.27%	―
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
JG	58 Neutral	$41.12M	-80.94	-5.30%	―	20.68%	84.51%

International Money Express Corporate Events

Western Union’s Acquisition of Intermex Clears Hurdle

On October 7, 2025, International Money Express, Inc. (Intermex) and The Western Union Company announced the expiration of the waiting period under the Hart-Scott-Rodino Antitrust Improvements Act, a significant regulatory milestone for Western Union’s planned acquisition of Intermex. The merger agreement, initially announced on August 10, 2025, involves Intermex becoming a wholly owned subsidiary of Western Union, with the transaction expected to close in mid-2026, pending further regulatory approvals and stockholder consent.